# FIRST FEDERAL BANK
DICKSON, TN · FDIC certificate 29782 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.11B | |
| Deposits | $978.6M | |
| Loans and leases | $686.7M | |
| Total equity | $115.9M | |
| Loans / deposits | 68.80% (p15 of band) | 87.10% |
| Liquid assets / assets | 35.14% (p83 of band) | |
| Uninsured deposits / deposits | 49.46% (p90 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.63% (p20 of band) | |
| FHLB advances / assets | 0.63% | |
| Tier 1 leverage | 10.48% (p50 of band) | 10.50% |
| Unrealized securities loss / equity | -20.70% (p19 of band) | -7.75% |
| AOCI / equity | -0.30% (p50 of band) | |
| ROA (annualized) | 1.61% (p74 of band) | 1.26% |
| Net interest margin | 3.31% (p26 of band) | 3.70% |
| Efficiency ratio | 50.07% (p24 of band) | |
| Noncurrent loans | 0.52% (p51 of band) | 0.51% |
| Net charge-offs (annualized) | 0.01% (p34 of band) | |
| Reserve coverage of noncurrent | 373.69% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 135.43% (p96 of band) | |
| Auto loans | $13.2M (1.92% of loans; DQ 0.49%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.1% | |
| Employees | 171 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 1 | uninsured deposits leaving |  |
| 2012-12 | 0 |  | uninsured deposits leaving |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 1 | capital falling |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 0 |  | capital falling |
| 2022-06 | 2 | securities losses >30% of equity, construction >100% equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 2 |  |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 3 | deposits shrinking |  |
| 2024-03 | 2 |  | deposits shrinking |
| 2024-06 | 2 |  |  |
| 2024-09 | 1 |  | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 1 |  | securities losses >30% of equity |
| 2025-09 | 2 | capital falling |  |
| 2025-12 | 1 |  | capital falling |
| 2026-03 | 1 |  |  |
| 2026-06 | 2 | capital falling |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-02 [Skits and Bits: First Federal Bank – 90 years today - mainstreetmediatn.com](https://news.google.com/rss/articles/CBMisAFBVV95cUxNRDY4SWxSV01yZUJMa2t5Mm42SUpjV0JjbDBwWXVNbjRybEt5Z0VzV1ZQN242bjJEdV9MNlFzclVJYjVJdGpucE83a3EtdGJQZC1JWUFuSW9oYWJ2V3lHY2NFTlhMQk15VXl0R3ZGems1cm80Tm5OcDhjRnBSTTY4WHNaUmRITGs1Qkw5UWN0dWY1Vkx5WDFuWXU5dDBHc0lhTlU3Ri16SVVHSF9XMGdHMA?oc=5) · mainstreetmediatn.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-12 [First Federal Bank celebrates 90 years this Friday - mainstreetmediatn.com](https://news.google.com/rss/articles/CBMivwFBVV95cUxNdERkbVRORHhqTUstM24wdG5RWXBZWVlYcFdOb1diQ2JhQmxqZ3UzcExiRkc3TU9MNUZ2Z1U3SEpzekJVdnFxVkhTa3VFdVA4eXBPWUtvaUpLYmFRM1NGOXNuM09GaFJFQUhMbDB5YVNLd1dyb0FUSHFYZlNuWmtSTWM0X2Q5a1hRYnJWSTgtVmZ1UU92elh6QmV1d0t3eTVTMERzcDZQYjEtTG9uVWJCU3RVa2czRHNmRmpjSzVqQQ?oc=5) · mainstreetmediatn.com
- 2026-01-29 [First Federal Bank Mortgage Review 2026 - LendingTree](https://news.google.com/rss/articles/CBMigwFBVV95cUxObVpucjQwQ0hyc2ozSHFVY0Z2MVYwcVRtSEs0dzhpU0pmSGZkWm42SE1nZGsyV0pWcURFeWk0S1lZSjdieUZyTEdqTkYyTEtpT2RjdmJuN3ZleVBNdWhzN2EwcDZLaWJ0Sl9BMFNweDVVMlRvenlqcDhRSFRhTFJJaU1MTQ?oc=5) · LendingTree
- 2017-07-24 [Cumberland Bank & Trust merging with First Federal of Dickson - The Leaf Chronicle | Clarksville, TN](https://news.google.com/rss/articles/CBMi0AFBVV95cUxOZFJfcTA5QkN4ZTlKNmJmSHpUU19Rc1ZHZ05taVF5d3VKWDZxSTdfSXBzNEtteUJyV25IOWZKOEFWQy1Xa1FJM1F3clBqY0dwT3k2aGk0MXR3dlJmR3p3S21oNTVvUklpX0cwbG92d09IQzY5YTVKZEdHYXp2Vi0xVTVLaFY3WXBCdC0xSlAteHVfYkxsRmRUMzd0UDRnLXRPdGFEM0dNcUhmY0JFaV9hYlNPT3EtVEQxcURERmJrNldpMG14RHZscHQ2ZC1XSVFD?oc=5) · The Leaf Chronicle | Clarksville, TN
- 2026-03-10 [First Federal Bank celebrates 90 years this Friday - mainstreetmediatn.com](https://news.google.com/rss/articles/CBMipAFBVV95cUxQQTBxMWN1NE5iWElLSlA5Znl2bUdacjVkMjhJZ1QweXJOdFVXLTBaTE9qTWcyR1pXV1phM0p5ZllDSmVaLUJ4a1FyM0o1TS16YXlNVFU5cUJZNHhCWkQ5RzJvTlV2N3BYV1N1UEJldHZfT2tzTlU4Zm9UREZfYnJscGh4Wk94YjlLYmNCbWl2SWZxMFNpaFRjamg1ZldxQkdlNVVxaQ?oc=5) · mainstreetmediatn.com
- 2017-07-25 [Middle Tennessee has a new $700 million lender - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxOM25uektWNkF5RkRKLTNoc2VBLU11a1ZmdDlxTF9SamhfMjZUcWhUcFZTTlRpeGhjYmJmRkJ1T1p6dXd4NkxsaEE5bjhSUXdNcE5QVWM0bnZnekxlQkpMSTBnQXU1WWx3SDFpUGg2RnI1Z3lpR2R5RjZvbzBYWFF1STBUcXpTVWR6cHZqYTN2cHpNRVVsVmhUbXdGWDI1enFUVGY2REdVaw?oc=5) · The Business Journals
- 2022-04-07 [Steven Jones named loan officer at Cumberland Bank and Trust Madison Street location - Clarksville Now](https://news.google.com/rss/articles/CBMiugFBVV95cUxNTDQ5M3VQVl9tQ1gybU51SVRyMUIycGkyM1djYXRaLTRrM2h1cWI1RXpJdUUxZEotd2pqSTN5Q2FnNzhIZFplQmdyTjk1aXptT1ZFNFJKdndMM2Q4cXhoOWhBSnkwSE9LdWRselM4THpaYkJJV3BvUUZ0Nzl0NUs5Z1JLR0lpaXRrZFlGRldZZmJCdHY5SUREX29XcXo5R01OWFFOS1NUcU42X1JaQkxRQ3REM0NQTVlLenc?oc=5) · Clarksville Now

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29782 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/22.json (key "29782", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide